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Lowry State Bank

IDRSSD: 457
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #457 2024-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.6% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.07%.

What changed this quarter

Compared to Q3 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +5
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 113.6%, cash 4.3% of assets.

Cash / Assets
4.27%
Loans / Deposits
113.57%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 113.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.58%
No watch items at this period.

Capitalization

WatchQoQ +3
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 8.65%.

Tier 1 RBC
10.63%
CET1
10.63%
Leverage
8.65%
No watch items at this period.

Asset Quality

StableQoQ -15
76
Sub-score

Asset quality is stable: Adjusted NPL 1.69%, Texas Ratio 15.7%, NCO YTD 0.08%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
15.7%
NCO YTD
0.08%
30-89 PD
1.03%
Band 0.3% / 3.0%
90+ PD
1.07%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.07%.

Reserves

WatchQoQ -28
51
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 74.7%, true coverage 73.8%.

ALLL / Loans
1.25%
Coverage
74.7%
True Loss Coverage
73.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 00:59:26 UTC